Personal loans in Ravenswood, WV
Personal loans in Ravenswood are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 3,819 population. About 3,819 people live in Ravenswood, placing it 32nd of 230 Census places in West Virginia.
Census figures put the 2020-to-2023 decrease in Ravenswood at about 1.3%. Begin with the payment, then weigh APR and total interest across the lenders that reach Ravenswood's 3,819 residents. The closest larger place is Point Pleasant, WV about 21 miles away. For the 3,819 people in Ravenswood, West Virginia runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.
Where Ravenswood stands
Ravenswood is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 3,819 — Ravenswood ranks 32nd of 230 communities in West Virginia (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 1.3% from 2020 to 2023.
- Absolute change: 49 residents lost between 2020 and 2023.
- Size percentile: Ravenswood sits ahead of around 86% of West Virginia places, at 3,819 people.
- Density: roughly 2,102 residents per square mile, spread over 1.8 sq mi of land.
- By land area: Ravenswood ranks 59th among West Virginia's 230 places, at 1.8 sq mi.
- Water area rank: Ravenswood ranks 45th among West Virginia's 230 places, with 0.07 sq mi.
- Within West Virginia: about 0.6% of the state's population lives in Ravenswood.
- National standing: Ravenswood ranks 5,561st of 19,457 US places.
- Growth in West Virginia: Ravenswood stands 49th by percentage change from 2020 to 2023, among 230 places.
- Versus West Virginia: the state average change is -3.0%, while Ravenswood moved 1.3%.
- Density rank: Ravenswood places 28th among West Virginia's places by people per square mile.
- Density vs West Virginia: Ravenswood's 2,102 people per square mile compare with a state median of 1,021.
- Location: mapped by the US Census Bureau at 38.9563, -81.7620.
- Nearest larger cities: Point Pleasant (21 mi); Parkersburg (24 mi); Belpre (24 mi); Vienna (28 mi); Athens (31 mi). Living near a larger metro rarely changes what is available in Ravenswood.
- Nearest smaller places: Racine (8 mi); Ripley (10 mi); New Haven (11 mi).
- Within a 50-mile radius: 67 smaller Census places.
- At 100 miles: 64 larger Census places fall inside that radius.
Ravenswood's place among West Virginia's 230 places
Ravenswood is the 32nd-largest of 230 Census places in West Virginia and contains about 0.6% of the state's people. For population change between 2020 and 2023, Ravenswood ranks 49th of 230 in West Virginia (about the 79th percentile). By density, at about 2,102 people per square mile, it ranks 28th in West Virginia. In land area, Ravenswood ranks 59th among West Virginia's 230 places.
The geography behind Ravenswood
The Census Gazetteer records 1.8 square miles of land and 0.07 square miles of water within Ravenswood. With 3,819 residents, the land area yields roughly 2,102 people per square mile. For the state's biggest city, Charleston, the distance is roughly 43 miles. Counting outward 50 miles, 16 larger communities surround Ravenswood. The 100-mile radius contains 64 larger places.
How a Ravenswood personal loan is priced
In Ravenswood, a small community of about 3,819, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Ravenswood's rank of 32nd in West Virginia: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Ravenswood loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
The West Virginia lending rules that reach Ravenswood
West Virginia has no separate rate rule for Ravenswood; the sourced rows below are what reach every lender that serves its 3,819 people.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | West Virginia Division of Financial Institutions (WV DFI) Source says: The West Virginia Division of Financial Institutions is charged with the regulation and supervision of financial institutions chartered by the State of West Virginia. | West Virginia Division of Financial Institutions (WV DFI) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 31% per year on unsecured loans of $3,500 or less; 27% on $3,500–$15,000; 18% above $15,000 (W. Va. Code § 46A-4-107) Source says: the loan finance charge, calculated according to the actuarial method, may not exceed 31 percent per year | West Virginia Legislature (West Virginia Code) as of 2026-09-16 |
| Payday lending status | Traditional payday lending is generally prohibited; check cashers are regulated under W. Va. Code ch. 32A Source says: Traditional "Payday Lenders" are generally prohibited within this state. | West Virginia Division of Financial Institutions (WV DFI) as of 2026-09-16 |
How lenders reach Ravenswood
Ravenswood is a fairly dense community of about 3,819 people, with 16 larger places inside a 50-mile radius. Lenders licensed in West Virginia reach Ravenswood's 3,819 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Point Pleasant, WV about 21 miles away.
Common questions
What are my options in Ravenswood if my credit is poor?
What loan size can I expect in Ravenswood?
Do I have to pledge anything to borrow in Ravenswood?
Does comparing loans in Ravenswood cost me credit score points?
Nearby places
- Ripley, WV — population 3,043
- Racine, OH — population 671
- New Haven, WV — population 1,418
- Syracuse, OH — population 779
- Hartford City, WV — population 494
- Coolville, OH — population 445
- Mason, WV — population 834
- Pomeroy, OH — population 1,526